The one big problem I find with the store is that it is understaffed and the workers behind the counters are forced to help too many customers at once. But I am sure it is hard to find an employee who knows enough about guns to work there. I have been in about 5 times in 1 month for odds and ends for my 1st build. I have to say that I have only run into one doofus who works there. He was pretty much worthless as far as info. But everyone else was great. The ladies who work there remembered me and what I had purchased 3 weeks prior and we had a great conversation after my transaction. Oh, and they just changed their hours and are open even less. Check the new hours before you go. As far as the CC goes.... you pay higher prices at other stores for CC usage even if you don't. At least they give you the option. Markups up to 4% store wide are common place to offset cc fees.